It’s another day left before we call and end to June( you would be reading it around 5th July anyways), but I am realty distracted and writing expense report for the month seems like a good thing to do. This month like the previous one was full of unexpected expenses and more than that a lot of mental stress due to illness in the family. For some reason, one or the other in our parents has been battling health issues since February. Right now it feels as if we have been worrying about one family member or the other all through 2016
Though our regular expenses did not go way high or low a lot of travel expenses were added to this month something to the tune of 6K+. We keep our travel accounts separate and they do not come out of our salary, instead they are earned as we freelance.
Another major thing that happened this month was a friend who crashed at our place for a few weeks and it was something which gave both of us a window into how people end up broke after earning a decent sum. It also helped us understand that we are probably not suited to be this chummy with most people especially the ones who are wasteful and narrow minded.
This month’s expenses include an afternoon of beer and snacks spent with a visiting friend at home. We chose to skip going out and instead entertain our friend in the comfort of our home which turned out to be a big blessing. The entire thing cost us way cheaper than ordering couple of beers each for the three of us. Still a major part of our household expenses ended up being eating out. Coupled with a few off days of our lunch lady to getting hungry in between meal times we managed to spend over 30% of our monthly bills in eating out.
Apart from our regular grocery bills which were higher than they normally would be since we bought a good haul of organics our next big expense was paying for the packed lunches we are getting delivered at office. Not the famous dabbawalahs of Mumbai but a lady who cooks up great food.
Our electricity bills have been larger than normal especially for our level of consumption. We have a fridge and WiFi router running all day long and (when it is just us) a fan and a light. We shifted to gas for cooking this month as I mentioned in May expense report and I can only hope that this will help us to reduce our energy expense. For some reason I have a nagging feeling that we have some rouge connections that are billed to us. June and July should give us a better idea. Bill for June is high as well but that will be covered in the July expenses.
This was also the month we stocked up on essentials including milk (should last us through better part of July) oats, flour, rice and daal. These would last us for a considerable amount of time and coupled with some good fresh vegetables they should result in good eating times.
We are prepping for an uber frugal month which should help us in reducing our expenses drastically. My hopes are really high that we will not just crush the 14K target we had given ourselves till June instead we might end up with an insanely low figure which can shock us.
Getting back to our spending in June we ended up with a grand total of 14,795/-
Eating out- 5004 (34%)
Grocery – 3486.88 (13%)
Business expenses – 1592 (3%)*
Paid lunch – 980 (6%) **
Social activities – 1076 (7%)
Electricity bill- 895 (6%)
Internet – 700 (4%)
Petrol- 500 (3%)
Cleaning supplies & others – 258 (2%)
Taxi- 170 (1%)***
Parking- 30 (0%)
* Business expenses were a bit higher since this is when we renew one of our domains and google app subscription.
** We have started subscribing to lunch provided by a local lady. This might not seem frugal but the certainty of getting lunch at office makes sure that we do not eat out as much as we used to when we did not pack lunch for various reasons. Also she makes great rotis which I have so far failed to emulate.
*** Mr. S was off a few days and I had to tackle the short commute in auto rickshaw. It is certainly walkable but rains and the unmentionably dirty roads did not allow me to walk.
We feel we were more or less at our goal. A major chunk of our eating out budget was with a friend who had earlier offered to pay for the entire meal. We did not want to put her in that position and decided to pay over 1000/- for it.
We also stocked up on milk for the entire month of July which cost us 600/- for ~12 l of UHT milk- along with the staples I talked about earlier. So I guess my natural talent of making excuses is trying to say that if we hadn’t paid next month’s groceries this month we would have met our goal of 14K this time.
For next month our focus is on getting our eating out budget to 0. Mr.S says it might not be possible but I am taking that as a challenge. To be clear whatever we spend on our travels is not included in the amount above, it will form a part of total expenses at the year end but it is definitely not a regular expense.